Stock Ratings / Financials / CASH / dividends

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Pathward Financial Inc. (CASH) Dividend Safety Gauge & 10-Year DRIP Compounder

$76.67 +0.88% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $76.65

Pathward Financial Inc. (CASH) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $1.59B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CASH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Pathward Financial Inc. (NASDAQ: CASH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $76.67 (+0.88% 1D, market cap $1.59B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CASH ranks #535 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CASH compare to LOB and AMAL in the Financials sector?

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Within the Financials sector (Major Banks), CASH carries a Roarable D+ (56/100 RQD), trailing P/E of 8.6x, gross margin of —, and ROIC of 21.8%. By comparison, LOB (Live Oak Bancshares Inc.) holds a D+ grade (55/100 RQD, P/E 15.3x, ROIC 8.5%, cap $1.62B) and AMAL (Amalgamated Financial Corp.) posts a B grade (74/100 RQD, P/E 14.7x, ROIC 13.1%, cap $1.53B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CASH?

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Per CASH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000907471), Pathward Financial Inc. generated $839.9M in revenue (+5.3% YoY), $185.9M in net income, and $438.9M in free cash flow against $7.56B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $76.65 (-0.03%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 52.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CASH)Realized 20D OHLCV Swing Band: ±5.2%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY CASH SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (29% of score)

SEC XBRL FY 2025 (10-K): 52.3% FCF Margin ($438.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (55) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$72.28-0.1% Next Q

Q2 (-2Q)

Grade C-$72.24+8.5% Next Q

Q3 (-1Q)

Grade C-$78.36-2.2% Next Q

Current

Grade D+$76.67-0.4% Hist 90D α

Trajectory: D (48) → D+ (56)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CASH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, CASH faces multiple-compression risk if 8.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($76.37) or 200D SMA ($85.05) invalidates the momentum regime and cuts Target Base ($75.98) toward Bear Floor ($59.26).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CASH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CASH Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 56%NO 44%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

2.09% Total Yield

0.29% Cash ($0.22/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,244

Est. Year-10 Shareholder Yield: $360/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.2K

Yr 2

$11.8K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.9K

Yr 6

$14.6K

Yr 7

$15.5K

Yr 8

$16.3K

Yr 9

$17.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CASH)

✓Walkthrough of CASH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -10.56%⚡ TESTING RESISTANCE

2026-11-02O $76.00H $76.67L $76.00C $76.67VOL 133.5K

RES: $77.96SUP: $68.93SMA50: $76.37SMA200: $85.05

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CASH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CASH Butterfly Map → + Track CASH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-4.1%/yr Implied 5Y Growth

vs. +5.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CASH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CASH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CASH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CASH)

Financials Rank #535 of 1096 ⚔️ LOB vs CASH Full Matrix →

1. Head-to-Head Financials Peer Comparison (CASH vs. LOB, AMAL, BFC, TFIN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Pathward Financial Inc. (CASH) ranks #535 by composite RQD confidence (56/100, grade D+) and #474 by equity capitalization ($1.59B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. AMAL currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with CASH at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CASH ACTIVE Pathward Financial Inc.	D+	56/100	8.6x	—	21.8%	+0.88%	$1.59B	Benchmark Subject
LOB Live Oak Bancshares Inc.	D+	55/100	15.3x	—	8.5%	+1.18%	$1.62B	/lob-vs-cash →
AMAL Amalgamated Financial Corp.	B	74/100	14.7x	—	13.1%	+0.37%	$1.53B	/amal-vs-cash →
BFC Bank First Corporation	C-	61/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-cash →
TFIN Triumph Financial Inc.	D-	43/100	59.9x	—	2.7%	+0.84%	$1.52B	/tfin-vs-cash →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000907471

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Pathward Financial Inc. (CASH) reported GAAP revenue of $839.9M (+5.3% vs. FY2024 revenue of $797.4M , and +15.4% cumulative change since FY2023) , GAAP net income of $185.9M, operating cash flow of $450.6M, and free cash flow of $438.9M (-8.3% YoY). On the balance sheet, CASH closed FY2025 with $7.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$839.9M	$185.9M	$450.6M	$438.9M	$7.56B	—
FY2024 (FY)	2024-09-30	$797.4M	$183.2M	$488.8M	$478.7M	$7.60B	—
FY2023 (FY)	2023-09-30	$727.7M	$143.3M	$327.9M	$327.9M	—	—

3. CASH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CASH compare to LOB and AMAL in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CASH?

Where is CASH trading relative to its 50-day, 200-day, and 52-week technical levels?

CASH last traded at $76.67 (+0.88% on volume of 133,524 shares), positioning the stock +0.39% above its 50-day simple moving average ($76.37) and -9.85% below its 200-day simple moving average ($85.05). Across its 52-week range of $65.87 to $101.26, CASH sits at the 30.5% percentile with a 14-day RSI of 55.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.2% ($72.68 to $80.66).

CASH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CASH pay a dividend and is it safe?

Pathward Financial Inc. (CASH) offers a 0.29% cash dividend yield ($0.22 annualized) and 2.09% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CASH RQD Cockpit CASH 12M Forecast CASH Earnings & Move CASH Dividends & DRIP CASH Insiders & 13F CASH Whale Options CASH Profit Sankey CASH News & Why